Strengthening Resilience in a Changing World
Risk is evolving—driven by climate change, technological advancements, and economic shifts.
In this dynamic landscape, re/insurance serves as a stabilizing force, ensuring that insurers and businesses can withstand volatility while continuing to protect people, assets, and livelihoods. Re/insurance is not about eliminating risk; rather, it enables the responsible management and sharing of risks, particularly during peak peril years when losses can be severe. By absorbing large-scale shocks and providing capital relief, reinsurance ensures that financial protection remains available, even in the face of extreme events. More than just a financial backstop, re/insurance fosters innovation, helping industries and societies adapt to emerging risks and build long-term resilience.
Further Information
For Insurers: Expanding Capacity, Enhancing Risk Intelligence
For primary insurers, reinsurance plays a critical role in expanding underwriting capacity and maintaining stability in times of high claims activity. But beyond financial protection, it also empowers insurers with cutting-edge technology and data analytics to better understand, price, and mitigate risks. From advanced climate modeling to AI-driven risk assessment, reinsurers bring deep expertise and global insights that help insurers stay ahead of an increasingly complex risk environment. This partnership is especially crucial in peak peril years, when capital constraints and unpredictable losses can strain even the most well-prepared insurers. By working together, insurers and reinsurers can develop more sustainable, forward-thinking solutions that ensure coverage remains available and affordable for policyholders.
For Corporates: Risk Transfer as Part of a Bigger Strategy
For businesses, reinsurance may seem like a layer removed from day-to-day operations, but its impact is far-reaching. It enables insurers to continue providing coverage, even when natural catastrophes, cyber threats, or supply chain disruptions escalate. However, financial protection alone is not enough—corporates must also invest in adaptation and mitigation strategies to reduce their long-term exposure. This requires a multi-stakeholder approach, bringing together insurers, reinsurers, governments, and industries to drive risk reduction and resilience. Reinsurers contribute not only capital but also insights, helping businesses anticipate future risks and integrate sustainable risk management practices into their strategies.
Partnering for a More Resilient Future
Re/insurance is a cornerstone of societal resilience, ensuring that economies remain stable, communities can recover, and innovation can thrive—even in the most challenging years. At Swiss Re, we go beyond risk transfer to provide expertise, technology, and collaborative solutions that strengthen our clients' ability to navigate uncertainty. Whether you are an insurer looking to optimize your risk portfolio or a corporate seeking to enhance long-term resilience, find out how we can help.